[Ouderkirk]

Heck, even a not so good FICO score and 20% down will get you a decent rate.

[RockinRight]

If you don’t have to worry about PMI, you can get an “A-paper” loan in the upper 500s if you have good income and 20% down. When you have less down it’s more an issue of whether or not you can get PMI than anything else.